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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Mastercard · SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
Annual fee
₹1,499
Mastercard · SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹4,999
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | SBI Card MILESMastercard · SBI Card | SBI Card SignatureMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹500Best | ₹1,499 | ₹4,999 |
Joining fee | ₹500Best | ₹1,499 | ₹4,999 |
Reward rate | 2X reward points on UPI spends | 2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)Best | 3 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | RuPay | Mastercard | Mastercard |
Best for | rewards, upi | — | rewards, premium |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
SBI Card
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other… — Best for .
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
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